1037 16th Street 10
Santa Monica, CA, 90403
$1,599,000
MLS: 26659287
Beds
3
Baths
3
Sq Ft
1,634
Lot
0.34 ac
Year Built
1980
MLS #
26659287
Days on Market
13
Listed
Mar 5, 2026
Description
Beautiful 3-bedroom, 2.5-bathroom townhouse just blocks from Montana Avenue. This multi-level unit features a private oversized 2-car garage with direct access into the home. The main living area includes a comfortable living room with fireplace, dining area, open kitchen that flows to a cozy den or workspace, and a center hall with powder room. Situated in the rear of the complex, the unit offers a wrap-around patio with glass French doors that bring in abundant natural light and create an easy indoor/outdoor flow for entertaining. The recently updated kitchen is equipped with top-of-the-line Miele appliances and granite countertops. All three bedrooms are located on the upper level, including a generously sized primary suite with dual-vanity bathroom with tub and shower, along with a walk-in closet. Two additional bedrooms and a shared hallway bathroom complete the upper floor. The home is finished with newer wood flooring throughout, creating a warm and cohesive feel. Located on one of Santa Monica's most desirable residential streets, the property is just minutes from the beach, Montana Avenue shops, and nearby dining. A comfortable home offering a wonderful Santa Monica lifestyle.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Wheeler Coberly · Compass
Payment estimate
$11,407
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $159,900 · Loan: $1,439,100
- Principal & Interest
- $8,842
- Property tax (1.25%)
- $1,666
- Homeowners insurance
- $300
- Mortgage insurance
- $600
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Santa Monica home with as little as 3.5% down using an FHA loan — roughly $55,965 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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